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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 2.33
FBIZ's Cash to Debt is ranked higher than
79% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.41 vs. FBIZ: 2.33 )
FBIZ' s 10-Year Cash to Debt Range
Min: 0.13   Max: 9999
Current: 2.33

0.13
9999
Equity to Asset 0.09
FBIZ's Equity to Asset is ranked higher than
67% of the 2349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FBIZ: 0.09 )
FBIZ' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.09
Current: 0.09

0.04
0.09
Interest Coverage 1.83
FBIZ's Interest Coverage is ranked higher than
74% of the 2175 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FBIZ: 1.83 )
FBIZ' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.83
Current: 1.83

0.06
1.83
F-Score: 3
Z-Score: 0.24
WACC vs ROIC
10.70%
37.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 36.35
FBIZ's Operating margin (%) is ranked higher than
82% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.48 vs. FBIZ: 36.35 )
FBIZ' s 10-Year Operating margin (%) Range
Min: -383.66   Max: 41.81
Current: 36.35

-383.66
41.81
Net-margin (%) 24.23
FBIZ's Net-margin (%) is ranked higher than
78% of the 2377 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.33 vs. FBIZ: 24.23 )
FBIZ' s 10-Year Net-margin (%) Range
Min: -5.18   Max: 234.84
Current: 24.23

-5.18
234.84
ROE (%) 11.99
FBIZ's ROE (%) is ranked higher than
86% of the 2380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.85 vs. FBIZ: 11.99 )
FBIZ' s 10-Year ROE (%) Range
Min: -0.89   Max: 24.13
Current: 11.99

-0.89
24.13
ROA (%) 1.02
FBIZ's ROA (%) is ranked higher than
81% of the 2384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FBIZ: 1.02 )
FBIZ' s 10-Year ROA (%) Range
Min: -0.04   Max: 1.13
Current: 1.02

-0.04
1.13
ROC (Joel Greenblatt) (%) 989.88
FBIZ's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 86.24 vs. FBIZ: 989.88 )
FBIZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 129.36   Max: 1991.05
Current: 989.88

129.36
1991.05
Revenue Growth (3Y)(%) -5.60
FBIZ's Revenue Growth (3Y)(%) is ranked higher than
58% of the 2043 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. FBIZ: -5.60 )
FBIZ' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.6   Max: 119.3
Current: -5.6

-5.6
119.3
EBITDA Growth (3Y)(%) 0.90
FBIZ's EBITDA Growth (3Y)(%) is ranked higher than
64% of the 1846 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBIZ: 0.90 )
FBIZ' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 82.2
Current: 0.9

0
82.2
EPS Growth (3Y)(%) 1.50
FBIZ's EPS Growth (3Y)(%) is ranked higher than
64% of the 1864 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. FBIZ: 1.50 )
FBIZ' s 10-Year EPS Growth (3Y)(%) Range
Min: -34.6   Max: 109.4
Current: 1.5

-34.6
109.4
» FBIZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

FBIZ Guru Trades in Q1 2014

Jim Simons 13,600 sh (New)
Scott Black 4,395 sh (-12.10%)
» More
Q2 2014

FBIZ Guru Trades in Q2 2014

Jim Simons 28,700 sh (+111.03%)
Scott Black 4,395 sh (unchged)
» More
Q3 2014

FBIZ Guru Trades in Q3 2014

Scott Black 8,420 sh (+91.58%)
Jim Simons 40,300 sh (+40.42%)
» More
Q4 2014

FBIZ Guru Trades in Q4 2014

Jim Simons 53,600 sh (+33.00%)
Scott Black Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FBIZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.90
FBIZ's P/E(ttm) is ranked higher than
82% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. FBIZ: 12.90 )
FBIZ' s 10-Year P/E(ttm) Range
Min: 4.86   Max: 79.53
Current: 12.9

4.86
79.53
Forward P/E 10.19
FBIZ's Forward P/E is ranked higher than
88% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 10.19 )
N/A
PE(NRI) 13.00
FBIZ's PE(NRI) is ranked higher than
84% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. FBIZ: 13.00 )
FBIZ' s 10-Year PE(NRI) Range
Min: 4.71   Max: 72.14
Current: 13

4.71
72.14
P/B 1.40
FBIZ's P/B is ranked higher than
65% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. FBIZ: 1.40 )
FBIZ' s 10-Year P/B Range
Min: 0.4   Max: 1.69
Current: 1.4

0.4
1.69
P/S 3.20
FBIZ's P/S is ranked higher than
65% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.68 vs. FBIZ: 3.20 )
FBIZ' s 10-Year P/S Range
Min: 0.59   Max: 3.69
Current: 3.2

0.59
3.69
PFCF 19.90
FBIZ's PFCF is ranked higher than
74% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 19.90 )
FBIZ' s 10-Year PFCF Range
Min: 2.33   Max: 290.63
Current: 19.9

2.33
290.63
POCF 15.10
FBIZ's POCF is ranked higher than
77% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 81.00 vs. FBIZ: 15.10 )
FBIZ' s 10-Year POCF Range
Min: 2.27   Max: 101.09
Current: 15.1

2.27
101.09
EV-to-EBIT 6.55
FBIZ's EV-to-EBIT is ranked higher than
94% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. FBIZ: 6.55 )
FBIZ' s 10-Year EV-to-EBIT Range
Min: -12.2   Max: 24.3
Current: 6.55

-12.2
24.3
PEG 0.32
FBIZ's PEG is ranked higher than
99% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 0.32 )
FBIZ' s 10-Year PEG Range
Min: 0.18   Max: 0.81
Current: 0.32

0.18
0.81
Shiller P/E 18.50
FBIZ's Shiller P/E is ranked higher than
86% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 18.50 )
FBIZ' s 10-Year Shiller P/E Range
Min: 6.98   Max: 22.13
Current: 18.5

6.98
22.13
Days Sales Outstanding 148.57
FBIZ's Days Sales Outstanding is ranked higher than
80% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 148.57 )
FBIZ' s 10-Year Days Sales Outstanding Range
Min: 23.33   Max: 194.6
Current: 148.57

23.33
194.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
FBIZ's Dividend Yield is ranked lower than
63% of the 2226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.49 vs. FBIZ: 1.90 )
FBIZ' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.29
Current: 1.9

0.25
3.29
Dividend Payout 0.24
FBIZ's Dividend Payout is ranked higher than
86% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. FBIZ: 0.24 )
FBIZ' s 10-Year Dividend Payout Range
Min: 0.03   Max: 0.76
Current: 0.24

0.03
0.76
Dividend growth (3y) 44.20
FBIZ's Dividend growth (3y) is ranked higher than
95% of the 1338 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBIZ: 44.20 )
FBIZ' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 67.1
Current: 44.2

0
67.1
Yield on cost (5-Year) 5.62
FBIZ's Yield on cost (5-Year) is ranked higher than
82% of the 2235 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FBIZ: 5.62 )
FBIZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.74   Max: 9.72
Current: 5.62

0.74
9.72
Share Buyback Rate -16.30
FBIZ's Share Buyback Rate is ranked higher than
54% of the 1686 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.40 vs. FBIZ: -16.30 )
FBIZ' s 10-Year Share Buyback Rate Range
Min: 3.7   Max: -16.3
Current: -16.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
FBIZ's Price/Tangible Book is ranked higher than
71% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. FBIZ: 1.50 )
FBIZ' s 10-Year Price/Tangible Book Range
Min: 0.42   Max: 1.66
Current: 1.5

0.42
1.66
Price/DCF (Projected) 0.90
FBIZ's Price/DCF (Projected) is ranked higher than
83% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 0.90 )
FBIZ' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.94
Current: 0.9

0.27
0.94
Price/Median PS Value 2.20
FBIZ's Price/Median PS Value is ranked higher than
58% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FBIZ: 2.20 )
FBIZ' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 2.5
Current: 2.2

0.47
2.5
Price/Peter Lynch Fair Value 0.50
FBIZ's Price/Peter Lynch Fair Value is ranked higher than
98% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. FBIZ: 0.50 )
FBIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.27   Max: 2.56
Current: 0.5

0.27
2.56
Price/Graham Number 1.00
FBIZ's Price/Graham Number is ranked higher than
76% of the 3169 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBIZ: 1.00 )
FBIZ' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 1.04
Current: 1

0.39
1.04
Earnings Yield (Greenblatt) 15.60
FBIZ's Earnings Yield (Greenblatt) is ranked higher than
93% of the 2352 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. FBIZ: 15.60 )
FBIZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 700.9
Current: 15.6

4.1
700.9
Forward Rate of Return (Yacktman) 46.22
FBIZ's Forward Rate of Return (Yacktman) is ranked higher than
92% of the 1260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. FBIZ: 46.22 )
FBIZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -3.3   Max: 65.7
Current: 46.22

-3.3
65.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Business Financial Services Inc was incorporated in 1986 under the laws of the State of Wisconsin. The Company is engaged in the commercial banking business through its two wholly-owned bank subsidiaries, First Business Bank "FBB", headquartered in Madison, Wisconsin, and First Business Bank-Milwaukee "FBB-Milwaukee". Its operations are conducted through the banks and certain subsidiaries of First Business Bank. It operates as business banks focusing on delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, and services tailored to meet the specific needs of small- and medium-sized businesses, business owners, executives, professionals and high net worth individuals. The Company offers businesses such as; commercial lending, asset-based financing, equipment financing, treasury management services, and trust and investment services. FBBs product lines include commercial loans, commercial real estate loans, equipment loans and leases and treasury management services. It offers a variety of deposit accounts and personal loans to business owners, executives, professionals and net worth individuals. It also offers trust and investment services through First Business Trust & Investments, a division of FBB. The Company competes with banks, savings institutions, mortgage banking companies, credit unions, finance companies, equipment finance companies, mutual funds, insurance companies, brokerage firms and investment banking firms.
» More Articles for FBIZ

Headlines

Articles On GuruFocus.com
comment on FBIZ Apr 03 2012 
First Business Financial Services Inc. (FBIZ) CEO David J Vetta buys 1,000 Shares Mar 18 2011 
First Business Financial Services Inc. Reports Operating Results (10-Q) Nov 02 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) Jul 30 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) May 01 2009 

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